Credit Repair Is a Paper-and-Phone Business.
CreditPath Made It a Software Problem.
CreditPath is an AI-powered credit dispute management platform built by Nigel Brooks. It serves both individual consumers looking to repair their own credit and the professional firms managing disputes on behalf of clients, with enterprise-grade authentication separating the two sides.
The Challenge
One platform, two very different users.
Individual consumers need a simple path: upload a credit report, understand what is hurting their score, and get dispute letters sent to the right bureaus. The process needs to be accessible to someone with no credit knowledge at all.
Credit repair firms have a different problem. They manage dispute processes for dozens or hundreds of clients simultaneously, need to track progress across all of them, and require secure access controls that separate their firm from individual consumer accounts. Microsoft Entra ID handles enterprise authentication on the firm side, giving organizations the identity management infrastructure their compliance requirements demand.
Dispute Flow
The Build
React, Python, Postgres, Terraform, and enterprise auth.
The consumer-facing side runs on a React frontend with a Node and Python backend. A user uploads their credit report, and the AI layer parses it to identify negative items: late payments, collections, inquiries, and inaccurate entries. For each item, the system generates a dispute letter formatted to the requirements of the applicable bureau, Equifax, Experian, or TransUnion.
On the firm side, Microsoft Entra ID provides enterprise-grade identity management. Firm administrators authenticate through their organization's identity provider, giving them access to a multi-client dashboard where they can monitor dispute status, track score movement, and manage the pipeline across their entire book of clients.
The infrastructure is provisioned and managed through Terraform, with Postgres as the data store. The architecture is designed to scale across both user types without collapsing the separation between them.
What Was Delivered
AI Credit Report Analysis
Automated identification of negative items and dispute candidates from uploaded credit reports.
Per-Bureau Dispute Letters
Dispute letters generated and formatted to each bureau's specific requirements.
Live Score Tracking Dashboard
Consumers and firms track score progress over time in a single dashboard view.
Enterprise Auth via Entra ID
Microsoft Entra ID powers firm-level authentication for multi-client credit repair organizations.
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Work with Nigel Brooks
Building something in fintech or AI?
Nigel G. Brooks is a cloud engineer and IT consultant based in Houston, TX. He builds production-grade fintech systems for businesses that need infrastructure they can rely on.
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